Service data processing method, apparatus, and electronic device

ABSTRACT

One or more computing devices obtains service data of a user payment service. The one or more computing devices determines whether the service data of the user payment service falls within a service indicator range. In response to determining that the service data does not fall within the service indicator range, the one or more computing devices obtains location information of a target customer corresponding to the service data. The one or more computing devices obtains one or more local events corresponding to the location information. The one or more computing devices determines, based on the one or more local events, whether to output an alarm for the service data. In response to determining to output the alarm for the service data, the one or more computing devices outputs the alarm for the service data.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of PCT Application No.PCT/CN2019/073823, filed on Jan. 30, 2019, which claims priority toChinese Patent Application No. 201810301193.2, filed on Apr. 4, 2018,and each application is hereby incorporated by reference in itsentirety.

TECHNICAL FIELD

The present specification relates to the field of payment technologies,and in particular, to service data processing methods, apparatuses, andelectronic devices.

BACKGROUND

With continuous development of Internet technologies, mobile paymenttechnologies are rapidly developing, and corresponding mobile paymentservices are increasingly accepted in people's lives, which graduallybecomes main payment methods and bring much convenience to people.

With more and more mobile payment services being used, security measuresand troubleshooting of mobile payment services are becoming more andmore important. Nowadays, service data of the mobile payment services ismonitored, and alarms are given for abnormal service data. After thealarms are given, monitoring personnel and assurance specialists followup the abnormal service, for example, communicating with customers onsite to understand abnormality causes to take corrective measures. Thisneeds a large amount of manpower and material resources. Especially,when data alarms of the mobile payment services are inaccurate, humanresources will be wasted. A new method is urgently needed to improvealarm accuracy of the service data.

SUMMARY

Implementations of the present specification provide service dataprocessing methods, apparatuses, and electronic devices, so as toimplement secondary check on payment data of a payment service, andimprove alarm accuracy of payment service data.

According to a first aspect, an implementation of the presentspecification provides a service data processing method, where themethod includes: obtaining service data of a user payment service anddetermining whether the service data of the user payment service fallswithin a service indicator range; if the service data does not fallwithin the service indicator range, obtaining location information of atarget customer corresponding to the service data; obtaining one or morelocal events corresponding to the location information; and determining,based on the one or more local events, whether to give an alarm for theservice data.

Optionally, determining, based on the one or more local events, whetherto give an alarm for the service data includes: determining whether theone or more local events include a predetermined event; and if the oneor more local events include a predetermined event, determining, basedon the predetermined event, whether to give an alarm for the servicedata.

Optionally, determining, based on the predetermined event, whether togive an alarm for the service data includes: determining whether a leveland/or duration of the predetermined event included in the one or morelocal events satisfy a predetermined condition; and if the level and/orthe duration of the predetermined event included in the one or morelocal events satisfy the predetermined condition, determining that theservice data fluctuates normally, and an alarm is not given for theservice data; or if the level and/or the duration of the predeterminedevent included in the one or more local events do not satisfy thepredetermined condition, determining that the service data is abnormal,and giving an alarm for the service data.

Optionally, the method further includes: if the one or more local eventsdo not include the predetermined event, giving an alarm for the servicedata; or suspending the user payment service.

Optionally, the predetermined event includes: natural disasters, trafficcontrol and/or parades.

Optionally, the method further includes: if the one or more local eventsinclude a predetermined event, generating prompt information based onthe predetermined event, and displaying the prompt information.

Optionally, the method further includes: searching and obtaining localnews corresponding to the location information; and obtaining one ormore events of predetermined types from the local news as the one ormore local events.

According to a second aspect, an implementation of the presentspecification provides a service data processing apparatus, where theapparatus includes: a determining unit, configured to obtain servicedata of a user payment service and determine whether the service data ofthe user payment service falls within a service indicator range; alocation acquisition unit, configured to: if the service data does notfall within the service indicator range, obtain location information ofa target customer corresponding to the service data; a parsing unit,configured to obtain one or more local events corresponding to thelocation information; and an alarm unit, configured to determine, basedon the one or more local events, whether to give an alarm for theservice data.

Optionally, the alarm unit is configured to: determine whether the oneor more local events include a predetermined event; and if the one ormore local events include a predetermined event, determine, based on thepredetermined event, whether to give an alarm for the service data.

Optionally, the alarm unit is further configured to: determine whether alevel and/or duration of the predetermined event included in the one ormore local events satisfy a predetermined condition; and if the leveland/or the duration of the predetermined event included in the one ormore local events satisfy the predetermined condition, determine thatthe service data fluctuates normally, and an alarm is not given for theservice data; or if the level and/or the duration of the predeterminedevent included in the one or more local events do not satisfy thepredetermined condition, determine that the service data is abnormal,and give an alarm for the service data.

Optionally, the alarm unit is further configured to: if the one or morelocal events do not include the predetermined event, give an alarm forthe service data; or suspend the user payment service.

Optionally, the predetermined event includes: natural disasters, trafficcontrol and/or parades.

Optionally, the apparatus further includes a generation unit, configuredto: if the one or more local events include a predetermined event,generate prompt information based on the predetermined event, anddisplay the prompt information.

Optionally, the apparatus further includes: a searching unit, configuredto search and obtain local news corresponding to the locationinformation; and obtain one or more events of predetermined types fromthe local news as the one or more local events.

According to a third aspect, an implementation of the presentspecification further provides a computer readable storage medium. Thecomputer readable storage medium stores a computer program, and theprogram is executed by a processor to implement the following steps:obtaining service data of a user payment service and determining whetherthe service data of the user payment service falls within a serviceindicator range; if the service data does not fall within the serviceindicator range, obtaining location information of a target customercorresponding to the service data; obtaining one or more local eventscorresponding to the location information; and determining, based on theone or more local events, whether to give an alarm for the service data.

According to a fourth aspect, an implementation of the presentspecification provides an electronic device, including a memory and oneor more programs, where the one or more programs are stored in thememory, and one or more processors are configured to execute the one ormore programs that include instructions for performing the followingoperations: obtaining service data of a user payment service anddetermining whether the service data of the user payment service fallswithin a service indicator range; if the service data does not fallwithin the service indicator range, obtaining location information of atarget customer corresponding to the service data; obtaining one or morelocal events corresponding to the location information; and determining,based on the one or more local events, whether to give an alarm for theservice data.

The previous one or more technical solutions in the implementations ofthe present specification have at least the following technical effects:

The implementations of the present specification provide a service dataprocessing method. Service data of a user payment service is obtained,and whether the service data falls within a service indicator range isdetermined. If the service data does not fall within the serviceindicator range, location information of a target customer correspondingto the service data is obtained, and one or more local eventscorresponding to the location information are obtained. Then, it isdetermined, based on the obtained local event, whether to give an alarmfor the service data. That is, the one or more local events are used toperform secondary check on the service data. Many local events such astyphoons, terrorist attacks, or power outage cause a payment servicefluctuation or even a pause. However, it is normal that service data inthis case fails to satisfy the criteria, which does not indicateabnormality. Therefore, performing secondary check on the service databased on the one or more local events effectively avoids incorrectlygiving an alarm for a normal fluctuation caused by the one or more localevents, alleviates the problem of incorrect alarming based on theservice data in the existing technology, and improves alarm accuracy ofthe payment service data.

BRIEF DESCRIPTION OF DRAWINGS

To describe the technical solutions in the implementations of thepresent specification more clearly, the following briefly describes theaccompanying drawings needed for describing the implementations or theexisting technology. Clearly, the accompanying drawings in the followingdescription show merely some implementations of the presentspecification, and a person of ordinary skill in the art can stillderive other drawings from these accompanying drawings without creativeefforts.

FIG. 1 is a schematic diagram illustrating a payment system, accordingto an implementation of the present specification;

FIG. 2 is a flowchart illustrating a service data processing method,according to an implementation of the present specification;

FIG. 3 is a flowchart illustrating a payment service monitoring andalarming system, according to an implementation of the presentspecification;

FIG. 4 is a schematic diagram illustrating an information processingapparatus, according to an implementation of the present specification;

FIG. 5 is a schematic diagram illustrating an electronic device,according to an implementation of the present application.

DESCRIPTION OF IMPLEMENTATIONS

To make the objectives, technical solutions, and advantages of theimplementations of the present specification clearer, the followingclearly and comprehensively describes the technical solutions in theimplementations of the present specification with reference to theaccompanying drawings in the implementations of the presentspecification. Clearly, the described implementations are merely somerather than all of the implementations of the present specification. Allother implementations obtained by a person of ordinary skill in the artbased on the implementations of the present specification withoutcreative efforts shall fall within the protection scope of the presentspecification.

Implementations of the present specification provide a service dataprocessing method, apparatus, and an electronic device, so as toimplement secondary check on service data of a payment service based ondetermining of a service indicator range, so as to improve service dataalarm accuracy.

With reference to the accompanying drawings, the following describes indetail main implementation principles, specific implementations, andcorresponding achievable beneficial effects of the implementations ofthe present specification.

Referring to FIG. 1, a payment system includes a payment end, a paymentreceiving end, and a payment service platform. The payment end caninitiate a payment request to the payment service platform by scanning abarcode of the payment receiving end, a two-dimensional code of thepayment receiving end, or entering account information of the paymentreceiving end. The payment service platform responds to the paymentrequest of the payment end and feeds back a payment interface, so thepayment end completes a payment operation and sends payment informationto the payment service platform, and the payment service platformcompletes a payment service based on the payment information. Certainly,the payment receiving end can also initiate a payment collection requestto the payment service platform, and send payment information of thepayment end to the payment service platform, so the payment serviceplatform completes a payment service. Payment service needs of both thepayment end and the payment receiving end are not fixed, but needs ofthe payment receiving end, particularly payment receiving ends ofmerchants are relatively stable, and service data of the paymentreceiving end can be monitored to determine whether the payment serviceruns normally.

A service data processing method provided in an implementation of thepresent specification is applied to a payment service platform tomonitor service data of a payment service, and in particular, monitorpayment service data of each merchant. Referring to FIG. 2, the servicedata processing method includes the following steps:

S210. Obtain service data of a user payment service and determinewhether the service data of the user payment service falls within aservice indicator range.

S220. If the service data does not fall within the service indicatorrange, obtain location information of a target customer corresponding tothe service data.

S230. Obtain one or more local events corresponding to the locationinformation.

S240. Determine, based on the one or more local events, whether to givean alarm for the service data.

In actual application processes, during the monitoring of a paymentservice of a certain merchant, service data of a future time point canbe predicted based on the customer's historical payment service data toobtain a service indicator range of the time point. A specificprediction method can use an existing prediction method, such asprediction based on average values, changing trends of data over time,and time sequence analysis prediction method. The prediction method ofthe service indicator range is not limited in this implementation. Theservice indicator range can be a total payment amount, the quantity ofpayment times, payment frequency, etc. of a merchant, a store, etc.within a predetermined time period, such as one day, one week, or onemonth.

In S210, the service data of the user payment service can be obtained byusing a payment service platform, or can be obtained by using clients(including a payment end and a payment receiving end). The service datacan include a total payment amount, the quantity of payment times,payment frequency, payment locations, etc. in a predetermined timeperiod. After the service data of the user payment service is obtained,it is determined whether the service data falls within the serviceindicator range. For example, if a store predicts, based on historicalservice data of a previous month, that an average daily payment amountof the last week in the current month of the store is RMB 30,000 to RMB40,000, at the end of the last week in the current month, service dataof the week, that is, the actual average daily payment amount, isobtained, and it is determined whether the actual payment amount is fromRMB 30,000 to RMB 40,000. If it is determined that the service datafalls within the service indicator range, it indicates that the userpayment service is normal, and subsequent monitoring is continued.Otherwise, if it is determined that the service data does not fallwithin the service indicator range, S220 is performed.

In S220, if the service data does not fall within the service indicatorrange, the location information of the target customer corresponding tothe service data is obtained. Specifically, the location informationstored in advance can be obtained by using the payment service platformor a client, or location information of a mobile client can be obtainedbased on a location based service (LBS) by using a radio communicationsnetwork (such as a GSM network or a CDMA network) or an externalpositioning method (such as a GPS) of a mobile communications operator.

After the location information of the target customer is obtained, S230continues to be performed to obtain the one or more local eventscorresponding to the location information. Local news corresponding tothe location information can be obtained by searching. One or moreevents of predetermined types can be obtained from the correspondinglocal news as the one or more local events. Events of the predeterminedtypes include events with significant impact such as traffic, weather,municipal administration, and electric power. Specifically, when the oneor more local events are obtained, a third-party application such as thebrowser of GOOGLE, 360, or BAIDU can be invoked to search for local newsbased on the address of the location information, to obtain the latestand the hottest headline newsletter and obtain the one or more localevents based on the newsletter.

After the one or more local events are obtained, S240 continues to beperformed to determine, based on the one or more local events, whetherto give an alarm for the service data. Specifically, whether the one ormore local events include the predetermined event can be firstdetermined. If the one or more local events include the predeterminedevent, it is determined, based on the predetermined event, whether togive an alarm for the service data. The predetermined event is an eventthat cannot be reversed by using payment technical means or an eventcaused by a force majeure factor, and includes one or more events suchas a natural disaster, traffic control, a parade, or municipalconstruction. Different local events have different impacts on thepayment service. A common event such as a temporary power outage orheavy rain does not pose great impact on the payment service. Apredetermined event such as a typhoon, a parade, or a snowstorm posesgreat impact on the payment service. However, these events are caused byforce majeure factors. It is normal to cause abnormal service data, andno technician needs to follow up. When the force majeure factordisappears, the corresponding service naturally recovers to normal. Whendetermining whether to give an alarm, if the one or more local events donot include these predetermined events, it indicates that the paymentservice of the target customer is abnormal, and an alarm is given forthe service data of the target customer, so maintenance personnel canfollow up; or the corresponding user payment service is suspended, andis re-enabled after the maintenance personnel follow up and solve theproblem. On the contrary, if the one or more local events include apredetermined event, no alarm is given for the service data of the oneor more local events, prompt information is generated based on anobtained predetermined time, and the prompt information is displayed, toremind the maintenance personnel that a corresponding event occurslocally and the maintenance personnel can continue to observe the one ormore local events and do not contact the target customer at this time,so as to avoid disturbing the customer and bring poor experience to thecustomer.

For example, an artificial intelligence supervised learning module isused to determine whether the one or more local events include apredetermined event, such as a typhoon, an earthquake, a power outage, asnowstorm, or a rainstorm. If the determining result is yes, the systemoutputs 1 and gives no alarm, or if the determining result is no, thesystem outputs 0 and gives an alarm. The maintenance personnel orassurance specialists follow up the alarm, and after determining thatthe payment system is normal, follow up with the customer, confirm withmerchant and solve the problem. When the system outputs 1, a temporaryworkaround can be used, the prompt information and predetermined eventscorresponding to the latest top 10 newsletters can be returned to aprompt notification, and the monitoring personnel manually determinewhether to follow up.

To avoid a missing report, when it is determined that the one or morelocal events include the predetermined event, it is further determined,based on a level and/or duration of the included predetermined event,whether to give an alarm for the service data. Specifically, it isdetermined whether the level and/or the duration of the predeterminedevent included in the one or more local events satisfy a predeterminedcondition. The predetermined condition is a level and/or duration of apredetermined event that causes a relatively large fluctuation to thepayment service. For example, a predetermined condition corresponding toa typhoon event is that a level exceeds level 5 and/or duration exceeds2 days. If the level and/or the duration of the predetermined eventincluded in the one or more local events satisfy the predeterminedcondition, it is determined that the service data fluctuates normally,and no alarm is given for the service data; or if the level and/or theduration of the predetermined event included in the one or more localevents do not satisfy the predetermined condition, it is determined thatthe service data is abnormal, and an alarm is given for the servicedata.

When an abnormal service event is triggered, a monitoring and alarmingsystem of the user payment service obtains the location information ofthe user, uses a service interface such as LBS News near you to obtainthe latest hot news, analyzes newsletter content by using the artificialintelligence supervised learning module, and determines whether thereare one or more local events that affect the local real-world paymentservice. If there are one or more local events that affect the localreal-world payment service, no alarm is triggered (or alarm importanceor sensitivity is reduced, and a low-level alarm is generated). As such,merchants in extreme local scenarios are not disturbed, and operationand maintenance efficiency is improved, so limited personnel areconcentrated on issues that really need to be solved, and operation andmaintenance costs are reduced.

Referring to FIG. 3, the following describes a detailed implementationprocess of a service data processing method provided in the presentspecification in a monitoring service by using a specific example.

S1. Monitor service data of a user payment service by using anintelligent monitoring and alarming module. The intelligent monitoringand alarming module can be connected to the payment service platform anda payment service client, and obtain corresponding service data.

S2. Determine whether a service indicator is abnormal, that is, whetherthe service data exceeds a service indicator range. If yes, continuemonitoring. If no, proceed to the next step S3.

S3. Obtain, by using an LBS, location information of a target customercorresponding to the service data that exceeds the service indicatorrange.

S4. Invoke an LBS-based search service interface to search for localnews corresponding to the location information.

S5. Analyze the local news by using an intelligent analysis module.

S6. Determine whether there is a predetermined event that reasonablyaffects a local payment service. If there are predetermined events suchas typhoons, rainstorms, and riots, output 1, and abnormal eventprocessing ends. If no, output 0 and trigger an alarm. Then the alarm ismanually followed up until the service problem is fixed, and abnormalevent processing ends.

Based on the service data processing method provided in the previousimplementation, this implementation further provides a correspondingservice data processing apparatus. Referring to FIG. 4, the apparatusincludes: a determining unit 41, configured to obtain service data of auser payment service and determine whether the service data of the userpayment service falls within a service indicator range; a locationacquisition unit 42, configured to: if the service data does not fallwithin the service indicator range, obtain location information of atarget customer corresponding to the service data; a parsing unit 43,configured to obtain one or more local events corresponding to thelocation information; and an alarm unit 44, configured to determine,based on the one or more local events, whether to give an alarm for theservice data.

In an optional implementation, the alarm unit 44 can determine whetherthe one or more local events include a predetermined event whendetermining whether to give an alarm for the service data that exceedsthe service indicator range; and if the one or more local events includea predetermined event, determine, based on the predetermined event,whether to give an alarm for the service data. The predetermined eventcan include: natural disasters, traffic control and/or parades.

Specifically, the alarm unit 44 can determine whether a level and/orduration of the predetermined event included in the one or more localevents satisfy a predetermined condition; and if the level and/or theduration of the predetermined event included in the one or more localevents satisfy the predetermined condition, determine that the servicedata fluctuates normally, and an alarm is not given for the servicedata; or if the level and/or the duration of the predetermined eventincluded in the one or more local events do not satisfy thepredetermined condition, determine that the service data is abnormal,and give an alarm for the service data.

In an optional implementation, the alarm unit 44 is further configuredto: if the one or more local events do not include the predeterminedevent, give an alarm for the service data; or suspend the user paymentservice.

In an optional implementation, the apparatus further includes: ageneration unit 45, configured to: if the one or more local eventsinclude a predetermined event, generate prompt information based on thepredetermined event, and display the prompt information. Optionally, theapparatus can further include a searching unit 46, configured to searchand obtain local news corresponding to the location information; andobtain one or more events of predetermined types from the local news asthe one or more local events.

This implementation provides a service data processing apparatus. Adetermining unit obtains service data of a user payment service, anddetermines whether the service data falls within a service indicatorrange. If the service data does not fall within the service indicatorrange, a location acquisition unit obtains location information of atarget customer corresponding to the service data, and an analysis unitobtains one or more local events corresponding to the locationinformation. Then, an alarm unit determines, based on the obtained localevent, whether to give an alarm for the service data. That is, the oneor more local events are used to perform secondary check on the servicedata. Many local events such as typhoons, terrorist attacks, or poweroutage cause a payment service fluctuation or even a pause. However, itis normal that service data in this case fails to satisfy the criteria,which does not indicate abnormality. Therefore, performing secondarycheck on the service data based on the one or more local eventseffectively avoids incorrectly giving an alarm for a normal fluctuationcaused by the one or more local events, alleviates the problem ofincorrect alarming based on the service data in the existing technology,and improves alarm accuracy of the payment service data.

With regard to the apparatus in the above implementations, the specificmethods for performing operations by the units have been described indetail in the implementations relating to the method, and details areomitted here for simplicity.

Referring to FIG. 5, FIG. 5 is a block diagram illustrating anelectronic device 700 for implementing a data query method, according toan example implementation. For example, the electronic device 700 can bea computer, a database console, a tablet device, a personal digitalassistant, etc.

Referring to FIG. 5, the electronic device 700 can include one or moreof the following components: a processing component 702, a memory 704, apower supply component 706, a multimedia component 708, an input/output(I/O) interface 710, and a communications component 712.

The processing component 702 generally controls the overall operation ofthe electronic device 700, such as operations associated with display,data communication, and recording operations. The processing component702 can include one or more processors 720 to execute instructions tocomplete all or a part of the steps of the previous method. In addition,the processing component 702 can include one or more modules tofacilitate interaction between the processing component 702 and othercomponents.

The memory 704 is configured to store various types of data to supportoperations at the device 700. Examples of these data includeinstructions, contact data, address book data, messages, pictures,videos, etc. for any application program or method to operate on theelectronic device 700. The memory 704 can be implemented by any type ofvolatile or non-volatile storage device or a combination thereof, suchas a static random access memory (SRAM), an electrically erasableprogrammable read-only memory (EEPROM), an erasable programmableread-only memory (EPROM), a programmable read-only memory (PROM), aread-only memory (ROM), a magnetic memory, a flash memory, a magneticdisk, or an optical disc.

The power supply component 706 provides power for various components ofthe electronic device 700. The power supply component 706 can include apower supply management system, one or more power supplies, and othercomponents associated with generating, managing, and allocating power tothe electronic device 700.

The I/O interface 710 provides an interface between the processingcomponent 702 and a peripheral interface module. The peripheralinterface module can be a keyboard, a click wheel, a button, etc. Thesebuttons can include but are not limited to: a home page button, a volumebutton, a start button, and a lock button.

The communications component 712 is configured to facilitate wired orwireless communication between the electronic device 700 and otherdevices. The electronic device 700 can access a wireless network basedon a communications standard, such as Wi-Fi, 2G or 3G, or a combinationthereof. In an example implementation, the communications component 712receives a broadcast signal or broadcast-related information from anexternal broadcast management system via a broadcast channel. In anexample implementation, the communications component 712 furtherincludes a near field communication (NFC) module to facilitate shortrange communication. For example, the NFC module can be implementedbased on a radio frequency identification (RFID) technology, an infrareddata association (IrDA) technology, an ultra-wideband (UWB) technology,a Bluetooth (BT) technology, and another technology.

In an example implementation, the electronic device 700 can beimplemented by one or more application specific integrated circuits(ASIC), digital signal processors (DSP), digital signal processingdevices (DSPD), programmable logic devices (PLD), field programmablegate arrays (FPGA), controllers, microcontrollers, microprocessors, orother electronic components, to perform the previous methods.

In an example implementation, a non-temporary computer readable storagemedium including instructions is further provided, such as the memory704 including instructions, and the instructions can be executed by theprocessor 720 of the electronic device 700 to complete the method. Forexample, the non-temporary computer readable storage medium can be aROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppydisk, an optical data storage device, etc.

A non-temporary computer readable storage medium is provided, and wheninstructions in the storage medium are executed by a processor of amobile terminal, an electronic device can be enabled to execute a dataquery method, where the method includes:

obtaining service data of a user payment service and determining whetherthe service data of the user payment service falls within a serviceindicator range; if the service data does not fall within the serviceindicator range, obtaining location information of a target customercorresponding to the service data; obtaining one or more local eventscorresponding to the location information; and determining, based on theone or more local events, whether to give an alarm for the service data.

It should be understood that the present disclosure is not limited tothe precise structures that have been described above and shown in thedrawings, and various modifications and changes can be made withoutdeparting from the scope of the present disclosure. The scope of thepresent disclosure is limited by the appended claims only.

The previous descriptions are merely preferred implementations of thepresent disclosure, but are not intended to limit the presentdisclosure. Any modification, equivalent replacement, or improvementmade without departing from the spirit and principle of the presentdisclosure shall fall within the protection scope of the presentdisclosure.

What is claimed is:
 1. A service data processing method, wherein themethod comprises: obtaining, using one or more computing devices,service data of a merchant payment service associated with a targetmerchant; determining, using the one or more computing devices, whetherthe service data of the merchant payment service falls within a serviceindicator range; in response to determining that the service data doesnot fall within the service indicator range, obtaining, using the one ormore computing devices, location information of the target merchantcorresponding to the service data; obtaining, using the one or morecomputing devices, one or more local events corresponding to thelocation information; determining, using the one or more computingdevices and based on the one or more local events, whether to output analarm for the service data of the merchant payment service, wherein thealarm indicates that the merchant payment service is abnormal and thatabnormality of the merchant payment service requires furtherinvestigation; and in response to determining to output the alarm forthe service data of the merchant payment service, outputting, using theone or more computing devices, the alarm for the service data of themerchant payment service.
 2. The method according to claim 1, whereindetermining whether to output the alarm for the service data comprises:determining whether the one or more local events comprises apredetermined event; and in response to determining that the one or morelocal events comprises the predetermined event, determining, based onthe predetermined event, whether to output the alarm for the servicedata.
 3. The method according to claim 2, wherein determining whether tooutput the alarm for the service data comprises: determining whether atleast one of a level of the predetermined event or a duration of thepredetermined event satisfies a predetermined condition, wherein the oneor more local events comprises at least one of the level of thepredetermined event or the duration of the predetermined event; inresponse to a determination that at least one of the level of thepredetermined event or the duration of the predetermined event satisfiesthe predetermined condition, determining that the service datafluctuates normally and determining not to output the alarm for theservice data; and in response to a determination that at least one ofthe level of the predetermined event or the duration of thepredetermined event does not satisfy the predetermined condition,determining that the service data is abnormal and determining to outputthe alarm for the service data.
 4. The method according to claim 2,wherein the method further comprises: in response to determining thatthe one or more local events does not comprise the predetermined event:outputting the alarm for the service data; or suspending the merchantpayment service.
 5. The method according to claim 2, wherein thepredetermined event comprises at least one of: a natural disaster, atraffic control, or a parade.
 6. The method according to claim 1,wherein the method further comprises: in response to determining not tooutput the alarm for the service data: generating prompt informationbased on the one or more local events; and displaying the promptinformation.
 7. The method according to claim 1, wherein the methodfurther comprises: searching and obtaining local news corresponding tothe location information; and obtaining one or more events ofpredetermined types from the local news as the one or more local events.8. A non-transitory, computer-readable medium storing one or moreinstructions executable by a computer system to perform operationscomprising: obtaining, using one or more computing devices, service dataof a merchant payment service associated with a target merchant;determining, using the one or more computing devices, whether theservice data of the merchant payment service falls within a serviceindicator range; in response to determining that the service data doesnot fall within the service indicator range, obtaining, using the one ormore computing devices, location information of the target merchantcorresponding to the service data; obtaining, using the one or morecomputing devices, one or more local events corresponding to thelocation information; determining, using the one or more computingdevices and based on the one or more local events, whether to output analarm for the service data of the merchant payment service, wherein thealarm indicates that the merchant payment service is abnormal and thatabnormality of the merchant payment service requires furtherinvestigation; and in response to determining to output the alarm forthe service data of the merchant payment service, outputting, using theone or more computing devices, the alarm for the service data of themerchant payment service.
 9. The non-transitory, computer-readablemedium according to claim 8, wherein determining whether to output thealarm for the service data comprises: determining whether the one ormore local events comprises a predetermined event; and in response todetermining that the one or more local events comprises thepredetermined event, determining, based on the predetermined event,whether to output the alarm for the service data.
 10. Thenon-transitory, computer-readable medium according to claim 9, whereindetermining whether to output the alarm for the service data comprises:determining whether at least one of a level of the predetermined eventor a duration of the predetermined event satisfies a predeterminedcondition, wherein the one or more local events comprises at least oneof the level of the predetermined event or the duration of thepredetermined event; in response to a determination that at least one ofthe level of the predetermined event or the duration of thepredetermined event satisfies the predetermined condition, determiningthat the service data fluctuates normally and determining not to outputthe alarm for the service data; and in response to a determination thatat least one of the level of the predetermined event or the duration ofthe predetermined event does not satisfy the predetermined condition,determining that the service data is abnormal and determining to outputthe alarm for the service data.
 11. The non-transitory,computer-readable medium according to claim 9, wherein the operationsfurther comprise: in response to determining that the one or more localevents does not comprise the predetermined event: outputting the alarmfor the service data; or suspending the merchant payment service. 12.The non-transitory, computer-readable medium according to claim 9,wherein the predetermined event comprises at least one of: a naturaldisaster, a traffic control, or a parade.
 13. The non-transitory,computer-readable medium according to claim 8, wherein the operationsfurther comprise: in response to determining not to output the alarm forthe service data: generating prompt information based on the one or morelocal events; and displaying the prompt information.
 14. Thenon-transitory, computer-readable medium according to claim 8, whereinthe operations further comprise: searching and obtaining local newscorresponding to the location information; and obtaining one or moreevents of predetermined types from the local news as the one or morelocal events.
 15. A computer-implemented system, comprising: one or morecomputers; and one or more computer memory devices interoperably coupledwith the one or more computers and having tangible, non-transitory,machine-readable media storing one or more instructions that, whenexecuted by the one or more computers, perform one or more operationscomprising: obtaining, using one or more computing devices, service dataof a merchant payment service associated with a target merchant;determining, using the one or more computing devices, whether theservice data of the merchant payment service falls within a serviceindicator range; in response to determining that the service data doesnot fall within the service indicator range, obtaining, using the one ormore computing devices, location information of the target merchantcorresponding to the service data; obtaining, using the one or morecomputing devices, one or more local events corresponding to thelocation information; determining, using the one or more computingdevices and based on the one or more local events, whether to output analarm for the service data of the merchant payment service, wherein thealarm indicates that the merchant payment service is abnormal and thatabnormality of the merchant payment service requires furtherinvestigation; and in response to determining to output the alarm forthe service data of the merchant payment service, outputting, using theone or more computing devices, the alarm for the service data of themerchant payment service.
 16. The computer-implemented system accordingto claim 15, wherein determining whether to output the alarm for theservice data comprises: determining whether the one or more local eventscomprises a predetermined event; and in response to determining that theone or more local events comprises the predetermined event, determining,based on the predetermined event, whether to output the alarm for theservice data.
 17. The computer-implemented system according to claim 16,wherein determining whether to output the alarm for the service datacomprises: determining whether at least one of a level of thepredetermined event or a duration of the predetermined event satisfies apredetermined condition, wherein the one or more local events comprisesat least one of the level of the predetermined event or the duration ofthe predetermined event; in response to a determination that at leastone of the level of the predetermined event or the duration of thepredetermined event satisfies the predetermined condition, determiningthat the service data fluctuates normally and determining not to outputthe alarm for the service data; and in response to a determination thatat least one of the level of the predetermined event or the duration ofthe predetermined event does not satisfy the predetermined condition,determining that the service data is abnormal and determining to outputthe alarm for the service data.
 18. The computer-implemented systemaccording to claim 16, wherein the operations further comprise: inresponse to determining that the one or more local events does notcomprise the predetermined event: outputting the alarm for the servicedata; or suspending the merchant payment service.
 19. Thecomputer-implemented system according to claim 16, wherein thepredetermined event comprises at least one of: a natural disaster, atraffic control, or a parade.
 20. The computer-implemented systemaccording to claim 15, wherein the operations further comprise: inresponse to determining not to output the alarm for the service data:generating prompt information based on the one or more local events; anddisplaying the prompt information.